American Express · Amex
Hilton Honors Surpass
Annual Fee
$150
up to $200/yr in credits if you use them
Sign-Up Bonus
$650
Current offer shown; issuer determines eligibility.
Spend $3,000 in 6mo
Terms apply.
Base Rate
3x
on everything
Best For
Hilton Loyalists
Sign-Up Bonus
Bonus: 130,000 points
Details: 130,000 Hilton Honors points plus a Free Night Reward after $3,000 spend in 6 months (offer window 2026-09-10 to 2027-01-13). The free night is not valued in our estimate. Amex welcome offers vary by applicant.
Requirement: Spend $3,000 in 6 months
Estimated value: $650Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Hilton purchases
Restaurants
US supermarkets
US gas stations
US online retail
Key Benefits
Credits — if you use them
Up to $50 in statement credits each quarter on eligible Hilton purchases
Perks (not counted in our math)
Automatic - includes breakfast at some properties
Pros & Cons
Pros
- + Gold status with breakfast
- + High earn rates
Cons
- - Hilton points worth ~0.5c
- - Need $15k spend for free night
- - Amex acceptance issues
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.